ZIP Code 45859 — McGuffey village, OH Demographics & Data

ZIP code 45859 covers McGuffey, OH in Hardin County with a population of about 378.

At a glance, the area shows median age of 46.1 versus a U.S. median of about 38.9.

It sits in telephone area codes 419, 567; U.S. House district OH-4; the COLUMBUS, OH media market.

Median household income in ZIP 45859 is about $49,792 — about 34% below the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 24.1%; unemployment rate near 7.4%; 4.2% of adults with a bachelor’s degree or higher (about 29.5 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Manufacturing, Other services, and Healthcare; a mean commute of about 163.0 minutes (U.S. average near 26.8).

Median home value is about $59,500 — about 83% below the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $529 (about 55% below the U.S. median rent ($1,163)), and owner-occupancy near 76.2% (about 10.8 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 45859 in McGuffey, OH, a household would need roughly $16,000 in annual income under a 20% down, 30-year loan at 6.8% (illustrative), keeping housing costs near 28% of income. Estimated monthly PITI is about $382. That sits below the local median household income ($49,792), suggesting the typical household income is closer to a workable buy-in level under these assumptions. Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

FEMA’s National Risk Index rates natural-hazard risk for McGuffey village, OH as Very Low (composite score 24.4), which is relatively lower than many U.S. communities. The strongest component scores on US5 are hurricane (43.6) and flood (40.2). These scores are county-linked NRI values published for planning context — all ZIP codes in the same county share the same composite score on US5. Useful when comparing insurance and disaster exposure across areas, not a substitute for a parcel-level flood or fire determination.

Climate normals for McGuffey village, OH show little to no average snow and around 37.6 inches of annual precipitation.

IRS migration statistics show a net inflow of about 16 for ZIP 45859 (McGuffey village, OH) on US5’s published series — a signal of people/tax filers moving in relative to those leaving. Inflows often track job growth, housing demand, or lifestyle migration; treat the figure as a directional indicator rather than a precise headcount.